OCWEN FINANCIAL CORPORATION

2016-07-19

Barrett Parkway, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Ampere, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-19

LA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I have a mortgage with Ocwen Loan Company. I have had issues with Ocwen in the past - mostly due to the fact that their workforce consists of people who do not have a command of the English language. I take care of my XXXX father and he has been in and out of the hospital. He is well right now and I am slowly going through mail. I discovered an escrow refund check dated XXXX/XXXX/15. I can no longer cash the check. When I have discovered checks from other companies that have expired, the company that issued the check is very happy to re-issue the check. I called Ocwen to please re-issue the check or apply the amount to my loan, they stated that they probably would not and it would take a week to investigate whether they could re-issue a check or not. I do n't understand why this! First, they gave the reason that my credit score was not good. My credit score has actually improved since 2015! Then they said the lowered my payment. My payment went down by XXXX dollars! That is not enough to make up the difference of {$610.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Bixby Knolls, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed

Disputed: Yes Timely Response

2016-07-18

Cincinnati, OH

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Brandon, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Houston, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Dupont, IN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-07-18

Symbol, KY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-18

Moapa, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: During the process of selling a property XX/XX/XXXX, I was told by the title company that they were unable to get a clear title because a day before the scheduled closing XXXX claimed there was a mortgage default and would not clear the title. As a result {$60000.00} is being held in escrow from the sales proceeds. The mortgage on the property was paid in full in 2003. I have proof in the form of cancelled checks, bank statements, XXXX forms from the mortgage company which correspond to my tax returns, a payoff balance letter form the mortgage company, and a congratulatory letter from the mortgage company when I sent final payment. The original mortgage was with GMAC Mortgage the final mortgage payment was made to them. Due to the banking meltdown, this issue has ended up with XXXX. Lawyers at the title company I 'm working with have contacted attorneys at XXXX and XXXX XXXX, a vice-president at XXXX. They been unsuccessful in obtaining from XXXX what they are claiming the actual default is or any proof that there even is a default. I have called XXXX XXXX VP at XXXX numerous times to only receive voice mail. I have sent numerous emails with the same result. I also went to XXXX in person and attempted to speak personally with XXXX XXXX and deliver supporting documents as listed above. I was n't even able to gain access beyond the lobby of the building. In addition, no one would accept the packet of documentation I had prepared for XXXX XXXX. It is now being suggested to me, by the title company, that in order to release the escrow funds I may need to buy a bond for an additional {$900.00}. This mortgage was paid in full thirteen years ago and I have the proof. To pay more now seems ridiculous.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-18

Thousand Oaks, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-18

Thousand Oaks, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-18

Camden, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Houston, TX

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Flood insurance claim check being held too long from Ocwen mortgage services, LLC. Over 2 weeks. Am I allowed the interest made on my claim money?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Queens, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We have been trying to sell a property since XX/XX/XXXX. We have a motivated buyer willing to pay in cash. We have submitted all the documents to Ocwen and have received a conditional letter of approval. Meanwhile it is now XX/XX/XXXX and Ocwen has n't given us the approval for sale yet they have everything asked for. They have made no effort to contact us regarding the sale but call to harass four to five times a day to collect the debt. No one at Ocwen knows anything but have started foreclosure proceedings on the property that 's waiting to close on by them stalling.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-18

Indianapolis, IN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Purchased the house in 1988. I retired and could no longer afford the home. Contacted the mortgage co. to do a quick sale it was approved. Could n't sale because they wanted more than the house was worth per thier appraisal. Next they approved a died in lieu. Next they kept stalling. Said thier Attorney had to do a lien search. Came back and said XXXX XXXX XXXX ahd a Lien on the property. I have never had any loan with XXXX. So I had a Attorney run a search nothing. I ask for the report. They sent me a report ran by XXXX XXXX Mortgage in california. I called them, they could not find anything. XXXX me to the Company in Indiana, they found nothing. So apparently these papers they sent me are fradulent. What they sent me was something they typed up. There is nothing legal about it. My Attorney did not find anything, thier soppose mortgage co dod not find or know anything about this lien. XXXX XXXX has been out of business for many years merged with XXXX XXXX, they had nothing. Changed name to XXXX XXXX XXXX, called them they had nothingThis has been going on for more than a year. My credit is now shot. They approved the quick sale, but I can not sell it because it is worth XXXX but they will only accept XXXX had offers for XXXX. Now they are putting up all the obstacles to not do the deed in lieu. Since there is no lien. They need to get this done and over with.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-17

Atl, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-07-17

Berkeley Lake, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-16

Woodland, WA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Complaint: XXXX XXXX continues to claim I am responsible for the mortgage on my ex-husband 's property even though I signed a Quit Claim Deed that was filed with XXXX County on XXXX XXXX, 2011. I corresponded directly with XXXX and included a copy of that Quit Claim Deed but they completely ignored it. They referenced a note I signed in XXXX 2011 ( which was clearly prior to the filing of the Quit Claim Deed in XXXX 2011 ) for my ex-husband 's property and stated a divorce did not release me from the debt. Note, they did not once mention the Quit Claim Deed in their correspondence to me, i.e., they intend to continue to perpetuate this fraud. It needs to stop.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-16

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX XXXX 2016, I received a letter date XXXX XXXX 2016 from Ocwen Loan Servicing. This letter reflects a pay off quote valid through XXXX/XXXX/2016. First, I did not request a pay off quote from Ocwen Loan Servicing. Second, this pay off quote show a principal balance of {$140000.00}, interest - {$220.00}, satisfaction cost {$42.00}, payoff fee {$30.00} and a deferred principal balance of {$110000.00}. Now, what is a satisfaction cost and a payoff fee? Why are we getting charged for these fees when I did not request a payoff quote? It appears that Ocwen is charging us un-necessary fees! Is Ocwen Loan Servicing trying to harass us because of the numerous complaints that we filed against them? Is Ocwen trying to force my hand to take Ocwen Loan Servicing to court? I request that these fees not be added to our loan. We are not planning to pay off this loan or sell our home. We are continuing our investigation into mortgage fraud, robo-signing to name a few. This complaint IS NOT about mortgage fraud nor robo-signing so do NOT address this issue. Ocwen must address this complaint only and not address anything else. If Ocwen address anything else that is not related to this complaint, it will XXXX even more and more complaints will be filed against Ocwen!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-16

Long Beach, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This letter to Attorney General XXXX describes the nightmare Ocwen has made of the entire year of 2016. They are endangering the life of my XXXX son : Dear Attorney General XXXX XXXX, Department of Justice , XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXXXXXXXXXX, is trying to help my XXXX son XXXX with a XXXX problem but OCWEN keeps making my credit score go up and down like a yo-yo preventing me from getting a loan. XXXX could get a XXXX and XXXX XXXX if we keep putting it off because OCWEN keeps changing my score from " very good '' to " poor '' by their constantly taking my loan on and off of my reports. XXXX already has a XXXX XXXX. All this delay could cost him his life. I pay all my bills on time. I have never been late on any bills since I became a single mom. I have a blog which shows OCWEN has been doing this to us all of 2016 : XXXX My OCWEN loan is being reported as closed, AGAIN. This is not true. My credit score fell from very good to poor the day Ocwen started changing what they report to the bureaus. This denies me the ability to get a loan to fix my XXXX son 's XXXX XXXX. XXXX has a XXXX XXXX. He could get a XXXX and XXXX XXXX if OCWEN ruins my credit all 2016 in spite of my perfect payment history. They are preventing me from conducting business as usual. They have crippled me financially all of 2016 when they first began attacking my loan in good standing. Please make them stop destroying my good credit. OCWEN claims they HAVE to ruin my credit anytime I contact the Dept of Justice or CFPB. They expect customers to be afraid to ask you for help for fear of having their credit score drop drastically if they do. That is wrong. Please help me so I can get a loan for XXXX ' XXXX XXXX with XXXX XXXX before something terrible happens to XXXX. Thank you. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-16

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I request that Ocwen loan servicing provide the following information only and not any additional information that does not pertain to this complaint as they have done in the past. Due to the fraud and illegal acts that have occurred with this note and deed of trust, I am requesting from Ocwen Loan Servicing ( our servicer ) provide the following. First, Which document does your company have in its possession, is it the original note, original Deed of Trust or both that pertains to our property? NOTE : I understand that the original note must be maintained by the servicer and the original Deed of Trust must be maintained by the trustee which is XXXX. Second, we request a meeting with a representative from Ocwen Loan Servicing here in XXXX Nevada along with the Original note and the Original Deed of Trust. If Ocwen is not able to meet us here in XXXX Nevada, please provide a date, time and a location during the XX/XX/2017 where we can review these documents! Please notify us in writing when and where to attend. NOTE ; I will have an independent investigator present to review these documents. We will be looking to see if these documents are the originals or copies of the originals. The ink on the original documents will be different from a copy. If the original documents have been lost or stolen, Ocwen loan servicing, XXXX and XXXX XXXX will have no legal standings to there claims without these original documents. All this can and will be resolved if Ocwen allows us to review these documents immediately. Ocwen can dispute legal claims all you want and XXXX me off even more. This will result in more complaints filed against Ocwen loan servicing. Servicing companies, banks, trustees and investors are required to maintain the original documents such as the original note and the original deed of trust to prove legal ownership. If Ocwen loan servicing fails to comply to my requests, we will request the original note and the original deed of trust in court.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-16

MD

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt resulted from identity theft
Complaint: false information and mis presentation If you know about foreclosure fraud, the mass fabrication of mortgage documents in state courts by banks attempting to foreclose on homeowners, you may have one nagging question : Why did banks have to resort to this illegal scheme? Was it just cheaper to mock up the documents than to provide the real ones? Did banks figure they simply had enough power over regulators, politicians and the courts to get away with it? ( They were probably right about that one. ) A newly unsealed lawsuit, which banks settled in XXXX for {$95.00} XXXX, actually offers a different reason, providing a key answer to one of the persistent riddles of the financial crisis and its aftermath. The lawsuit states that banks resorted to fake documents because they could not legally establish true ownership of the loans when trying to foreclose. This reality, which banks did not contest but instead settled out of court, means that tens of millions of mortgages in America still lack a legitimate chain of ownership, with implications far into the future. And if Congress, supported by the Obama administration, goes back to the same housing finance system, with the same corrupt private entities who broke the nation 's private property system back in business packaging mortgages, then shame on all of us.The XXXX lawsuit was filed in XXXX XXXX XXXX in both North and South Carolina, by a white-collar fraud specialist named XXXX XXXX, on behalf of the federal government, XXXX states and XXXX cities. XXXX banks, mortgage servicers and document processing companies are named in the lawsuit, including mega-banks like XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX. XXXX, who fell into foreclosure herself in XXXX, researched her own mortgage documents and found massive fraud ( for example, one document claimed that XXXX, listed as the owner of her mortgage, acquired ownership in XXXX XXXX, four months after they first filed for foreclosure ). She eventually examined tens of thousands of documents, enough to piece together the entire scheme. A mortgage has two parts : the promissory note ( the IOU from the borrower to the lender ) and the mortgage, which creates the lien on the home in case of default. During the housing bubble, banks bought loans from originators, and then ( in a process known as securitization ) enacted a series of transactions that would eventually pool thousands of mortgages into bonds, sold all over the world to public pension funds, state and municipal governments and other investors. A trustee would pool the loans and sell the securities to investors, and the investors would get an annual percentage yield on their money. In order for the securitization to work, banks purchasing the mortgages had to physically convey the promissory note and the mortgage into the trust. The note had to be endorsed ( the way an individual would endorse a check ), and handed over to a document custodian for the trust, with a " mortgage assignment '' confirming the transfer of ownership. And this had to be done before a 90-day cutoff date, with no grace period beyond that. XXXX Law professor XXXX XXXX spelled this out in testimony before Congress in XXXX : " If mortgages were not properly transferred in the securitization process, then mortgage-backed securities would in fact not be backed by any mortgages whatsoever. '' The lawsuit alleges that these notes, as well as the mortgage assignments, were " never delivered to the mortgage-backed securities trusts, '' and that the trustees lied to the SEC and investors about this. As a result, the trusts could not establish ownership of the loan when hey went to foreclose, forcing the production of a stream of false documents, signed by " robo-signers, '' employees using a bevy of corporate titles for companies that never employed them, ... ..
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-15

Seligman, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response